NH1816 · compared independently · advice from Finass
Continuous travel insurance through NH1816
You arrange continuous travel insurance through NH1816 via an adviser. After that, what matters most is who falls under your family cover and how far the area of cover extends.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
A continuous travel policy runs all year and covers every holiday that fits within the conditions. What differs from one household to the next is who comes along: a partner who is not registered at your address, a student living away from home, a parent-in-law travelling with you. That composition appears on the policy schedule and determines exactly who is entitled to payment when a claim arises.
NH1816 works through affiliated advice firms, so you cannot take out this insurance yourself on a website. For you that means a single point of contact: we submit the claim, supply the documents and monitor the handling. We do set the conditions and premium alongside those of other insurers, so that the choice rests on substance.
Travel cover is not cancellation cover. If you also want to insure the costs when you do not depart, that is a separate cover; see cancellation insurance. For permanent injury and death within the family there is also the family personal accident insurance.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your continuous travel insurance. We show what NH1816 and other insurers offer within it.
Luggage & travel documents abroad
SOS emergency assistance centre
Money & payment cards while travelling
Help in case of illness or accident
Extended cover
On top of that to medical assistance, also luggage, accidents, legal expenses and (optionally) winter sports.
Luggage & travel documents
Money & payment cards while travelling
Travel legal expenses cover
Money & payment card insurance
Complete package
The most complete cover. We compare NH1816's extended version with the market.
Replacement transport
Cancellation can be included
Special sports
Higher luggage cover
What is covered
Situation
Basic
With winter sports module
Theft of luggage from a locked space
Provided that
Provided that
Repatriation after an accident
Yes
Yes
Medical expenses abroad
Provided that
Provided that
Damage to or theft of hired ski equipment
No
Yes
An accident while skiing off-piste
No
Provided that
A trip to an area with a negative travel advisory
No
No
Travel insurance reimburses medical expenses as a supplement to your health insurance, not as a replacement for it. Winter sports and special sports are excluded as standard and require a separate module. A negative travel advisory from the Ministry of Foreign Affairs generally excludes cover for that area; report a claim as soon as reasonably possible (7:941 DCC).
What we do
What we do
At Finass
Direct with NH1816
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether NH1816 is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Who is covered by the family cover
Family cover applies to the people registered at your address, plus usually children living away from home for as long as they are studying and unmarried. If a child moves in with a partner or starts working full time, that extension lapses and a policy of their own is needed. If someone travels with you who is not part of the household, that person is not insured. Report changes in the family situation as soon as they occur.
How far the area of cover Europe extends
When it comes to it a policy with the area of cover Europe often covers more than the continent: countries around the Mediterranean and island groups in the Atlantic are included under many sets of conditions. That does vary by insurer, though. So do not go by geography but by the list of countries in the conditions. If you travel beyond it, worldwide cover or an additional single-trip travel insurance needed.
Luggage is depreciated
A travel policy pays for luggage at market value and not at replacement value as new: a three-year-old laptop does not produce a new one. For cameras, jewellery, telephones and musical instruments there is also a sub-limit well below the total sum insured for luggage. If your equipment is worth more than that, it belongs on a valuables insurance, which also provides cover at home and not only while travelling.
What is excluded
Not covered are: luggage left unattended or visible in a vehicle, money, jewellery and equipment in hold luggage, damage during professional activities and injury in special sports without the relevant module. Wear and tear, inherent defect and the breakage of fragile items are also excluded. Under Article 7:952 of the Dutch Civil Code no insurer pays out in cases of intent or recklessness, for example after excessive alcohol consumption.
Worldwide assistance
Cancellation
What does your premium depend on?
Number of people insured. Family cover including children is rated differently from cover for one or two people.
Area of cover according to the list of countries. Europe as defined in the conditions, or worldwide cover including countries with high healthcare costs.
Sum insured for luggage and sub-limits. The total amount and the separate maximums for valuables together determine the risk for the insurer.
Sections included. Medical costs, accidents, legal expenses and a replacement vehicle can each be chosen separately.
Winter sports and special sports. These modules increase the risk of injury and are priced separately in the premium.
Number of policies in your package. If the travel cover runs alongside other private policies, a package discount often applies.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
No. NH1816 works through affiliated advice firms, so the application always runs via an adviser. When it comes to it that means a fixed point of contact for changes and for claims: we notify the insurer, supply invoices and statements and follow the file. We compare the conditions and the premium with other insurers beforehand, so that the choice is well founded.
Is my student child living away from home covered?
Usually yes, as long as the child is studying, unmarried and financially dependent on you. If the studies end, or the child moves in with a partner or starts work, that extension lapses and they need their own travel insurance. Report such a change as soon as it occurs; otherwise a claim abroad reveals that there was no insured person.
Am I covered in Turkey or in the Canary Islands?
That depends on the list of countries in the conditions and not on the geographical division. Many policies count countries around the Mediterranean and the Atlantic island groups as part of the area Europe, but this is not the same everywhere. We check the list before you book and advise worldwide cover where your destinations fall outside it as a matter of course.
How do I cancel continuous travel insurance?
After the first contract term a continuous policy can be cancelled on any day, with one month's notice. If you cancel yourself without replacement cover, you are uninsured while travelling from that date. If you switch, we arrange the cancellation and have the new policy start on the end date, so that no day falls in between.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
